Aetna Medicare Supplement Review (2026): Cost, Pros & Cons

Aetna sells seven Medigap plans, the standardized Medicare Supplement policies that pay some costs Original Medicare doesn't. Plans C and D are sold only in New Jersey and Vermont.

• Plan A: The most basic option covers Part A coinsurance, up to 365 extra hospital days after Medicare benefits end, Part B coinsurance, the first 3 pints of blood and Part A hospice coinsurance.
• Plan B: Aetna's Plan B costs $244 a month at 65, $100 more than Plan G, which covers more. Plan B is the right choice for buyers who want Part A deductible coverage without the cost of Plans F or G.
• Plan C: For enrollees who became Medicare-eligible before January 1, 2020, Plan C covers both Part A and Part B deductibles, skilled nursing facility coinsurance and emergency care abroad.
• Plan D: Plan D covers the Part A deductible, skilled nursing facility coinsurance and foreign travel. It doesn't cover the Part B deductible or Part B excess charges, the up to 15% extra some doctors bill above Medicare's approved amount.
• Plan F: The most all-inclusive option, Plan F eliminates nearly all Part A and Part B out-of-pocket expenses, including deductibles, copayments, coinsurance and excess charges. But eligibility is limited to people who became Medicare-eligible before January 1, 2020.
• Plan G: This popular plan covers everything Plan F does except the Part B deductible.
• Plan N: Plan N charges copayments of up to $20 for doctor visits and up to $50 for emergency room visits, waived if you're admitted. It doesn't cover the Part B deductible or excess charges.

Both Plan G and Plan N price below their national averages. Plan F's $12 gap is narrow enough that Plan F buyers should check at least one competitor before choosing Aetna.  

High-deductible versions of Plans F and G pay the same benefits after you meet a yearly deductible. In California, high-deductible Plan F costs $77 a month at 65, $290 less than standard Plan F, and the 2026 deductible of $2,950 is lower than the $3,480 yearly savings. It has the same Jan. 1, 2020, eligibility cutoff as standard Plan F.

Plan D has the largest discount, $62 below the national average, yet costs $73 more than Plan G at 65 and doesn't cover Part B excess charges. Vermont doesn't sell Plan G, so Plan D is the closest match there for anyone new to Medicare.

Aetna Medicare Supplement plans are sold in 44 states and Washington, D.C. In 35 states and Washington, D.C., Plans A, B, F, G and N use Attained Age Pricing, which bases your premium on your current age, so it increases as you age.   

Arizona, Florida, Georgia, Missouri and New Hampshire use issue-age pricing, which sets your rate based on your age when you enroll and does not increase due to aging. Arkansas, Idaho, Minnesota and Vermont use community pricing, where your age doesn't change the premium. Premiums under all three methods can still rise for inflation and other cost changes.

Aetna Medicare Supplement premiums average below the national average for all seven plans it sells at ages 65 and 75. Plan G costs the least of Aetna's standard plans at $144 a month at 65, $23 below the national average of $167. Plan D has the largest savings at age 75 at $62 below average, or $250 per month. Plan F costs $185 monthly at age 65, and its $12 discount is the smallest in Aetna's lineup.

Aetna's below-average pricing holds across age groups, and each plan's discount is the same dollar amount at 65 and 75 for enrollees on Attained Age Pricing. These are national averages. In California, Aetna's Plan G costs $307 a month at 65, $140 above the $167 national average, so compare your state's quote with the national figure.

Aetna includes a 12-month rate lock. The other benefits below, including the 30-day free-look period with a full premium refund, are standard across Medigap policies of the same plan letter, so compare insurers on price and complaint record.

• Guaranteed Renewability: The policy can't be canceled as long as premiums are paid on time, regardless of health changes or age.
• 12-Month Rate Lock: The premium is fixed for the first full year of coverage. Rate changes can apply after that.
• 30-Day Free-Look Period: A policy returned within 30 days of receipt gets a full premium refund, no explanation required.
• Nationwide Provider Access: There are no network restrictions. Any provider in the country that accepts Medicare is accessible without a referral or prior authorization.
• Foreign Travel Emergency Coverage: Plans C, D, F, G and N cover 80% of emergency medical costs outside the U.S. after a $250 deductible, up to a $50,000 lifetime maximum.

Check the table to see which Aetna Medigap plans are in your state and the pricing model applied where you live. In California, Aetna's Plan N costs $230 a month at 65, $77 less than Plan G. Nationally, Aetna's Plan N costs $28 more than Plan G. California enrollees who can accept Plan N's copays, the Part B deductible and excess charges save $77 a month with it.

Aetna's strongest case is Plan G at $144 per month at age 65, $23 below the national average. For new enrollees comfortable working through an agent, Aetna's Plan G saves money in states where its rate falls below the $167 national average. In California, Aetna's Plan G costs $307 a month at 65, so check your state's rate first.

Aetna's NAIC complaint index is above the industry average of 1.00. Enrollees who have had service issues with large national insurers should compare complaint indexes from at least two other insurers before committing.

Aetna's issue-age pricing in Arizona, Florida, Georgia, Missouri and New Hampshire sets your Plan G rate by your age at enrollment, so aging alone won't raise it. Nationally, Aetna's Plan G averages $169 at 75, $25 more than at 65. In attained-age states, budget for that difference plus yearly rate changes.

We scored Aetna's Medicare Supplement plans by reviewing 2026 plan data across all 44 states and Washington, D.C. where Aetna sells Medigap coverage, using rate filing data and NAIC complaint records accessed in 2026. The review covered plan costs against national averages. Coverage breadth and geographic availability rounded out the scoring criteria.

• Affordability (50%): We compared Aetna's monthly premiums for each plan letter against national averages at ages 65 and 75. Plans priced below the national average score higher, especially in attained-age states where premiums increase annually.
• Coverage (40%): MoneyGeek reviewed the range of standardized plan letters Aetna offers and its NAIC complaint index relative to the industry average of 1.00. Broader letter availability and a lower complaint index both score higher, since a carrier's record on billing disputes and customer service affects a policy's value over a 10- to 20-year enrollment.
• Availability (10%): Geographic reach accounts for this portion of the score, based on the number of states where Aetna's plans are sold. Broader availability scores higher because enrollees who relocate won't need to switch carriers. Wider distribution also supports stronger claims processing across different state pricing regulations.